Holding 10K XRP has emerged as a critical benchmark in crypto investing right now, with just 4% of holders actually reaching this level. At XRP’s current price of $2.20, reaching the 10K XRP mark requires an investment of $22,000, and this particular investment threshold has sparked some intense debate about what the minimum amount needed for potential success might actually be.
Also Read: Walmart Integration Marks Turning Point for XRP Adoption in US Retail
Navigating 10K XRP With Investment Thresholds, Accumulation, And Success
The Reality Check
Widely followed commentator “TheXRP Guy” recently stated that investors holding anything over 10,000 XRP are “doing fine,” which offered some reassurance about this benchmark. Out of 7.357 million active wallets, only 294,301 actually hold at least 10,308 tokens. Over 6 million wallets contain 500 XRP or fewer, and along with that, 3.46 million are holding just 0 to 20 tokens.
The investment threshold for XRP has become increasingly difficult for retail investors to reach. Edoardo Farina, founder of Alpha Lions Academy, even had this to say:
Edoardo Farina stated:
“Owning more than 10,000 $XRP nowadays is already a luxury few people can afford.”
At the time of writing, it’s clear that rising prices have priced the accumulation strategy many hoped for out of reach for most people. Farina also noted:
“We’re already seeing people around the world selling their XRP just to buy groceries.”
Understanding the Accumulation Challenge
The 10K XRP figure wasn’t randomly selected or anything like that. Some influencers have projected XRP could reach $100, which would make a stack of 10,000 tokens worth $1 million. Yet Bitwise’s research report suggests XRP may not even reach $29 until 2030, and Changelly estimates the $100 milestone around 2040—which is about 15 years from now.
This particular success threshold has been discussed extensively by analysts. The Crypto Asset Guy previously warned that not holding at least 10,000 XRP could be a “lifetime mistake” or even the key to “unimaginable financial freedom.” Farina emphasized:
Farina stated:
“If you truly believe XRP has long-term value, selling it now for groceries is exactly what they want you to do.”
The debate about what constitutes the minimum amount continues. Some voices in the community, such as enthusiast Duefe, argue that even 1,000 XRP could be sufficient for long-term success, depending on future valuations and market conditions.
The Changing Market Dynamics
XRP was traded between $0.40 and $0.50 for several years, which made 10,000 tokens accessible for just $4,000 to $5,000 back then. Interestingly, in December 2024, roughly 429,000 wallets held at least 10K XRP compared to 294,301 today. The rising price barrier and the reality that sustained accumulation at higher price points actually requires significant capital commitment have contributed to this drop.
Also Read: Bank Of Russia Hints At Using XRP For Cross-Border Transactions
Only 166,258 wallets hold between 10,000 and 25,000 XRP right now, and another 159,566 carry between 5,000 and 10,000 XRP. These figures show a small group with deeper pockets, while most retail investors trail far behind. The psychological importance of the 10K XRP threshold continues to fuel community discussions about optimal investment strategies and what really constitutes meaningful success in this space. XRP currently trades at $2.20, up 9.52% today.